Insurance Property
Resume:
Progressive is not affiliated with Homesite. Insurance policies purchased through Progressive Home Advantage are underwritten by member companies of the Homesite Group Incorporated, a leading provider of homeowners, renters and condominium insurance. Homesite provides the coverage for, and pays the claims associated with, these insurance policies. Progressive is not responsible for the insurance claims or any other obligations of Homesite. Certain Progressive companies may be compensated as licensed agencies for performing services on behalf of Homesite. Policies are underwritten and issued by member companies of the Homesite Insurance Group. Member companies include: Homesite Insurance Company of California (CA Certificate of Authority #4620-1), Homesite Indemnity Company, Homesite Insurance Company of Illinois, Homesite Insurance Company of Florida, Homesite Insurance Company of the Midwest (CA Certificate of Authority #5045-0), Homesite Insurance Company of New York, Homesite Insurance Company of Georgia, Homesite Lloyd's of Texas, and Homesite Insurance Company. HH I946 CW 1012 Policy Number 35872372
Progressive Home Advantage
Underwritten by:
HOMESITE INSURANCE COMPANY OF THE MIDWEST
P.O. Box 5300
Binghamton, NY 13902-9953 Tel: 1-866-***-**** Fax: 1-877-***-**** Kimberly Bloss
823 George St
La Crosse, WI 54603-2673
Renewal For Policy Number 35872372
January 12, 2020
Dear Kimberly Bloss,
Thank you for choosing Progressive Home Advantage! We are happy to renew your homeowners insurance policy, underwritten by HOMESITE INSURANCE COMPANY OF THE MIDWEST. Please take a minute to review your Renewal Packet which outlines coverage for the upcoming term and explains important changes to your policy.
Your . packet Renewal includes: Declarations Page – This summarizes your coverage limits, deductibles, discounts, contracts, and amendments. It is important to review this information to make sure your home is adequately
. protected. Renewal Billing If you Statement need to make – This an details update, your please premium, call us recent at 1-866-billing 960-activity 8609. and payment plan options. We are excited to offer you outstanding service and protection in the coming year. With your renewal, you can look forward . . . . to: Peace Fast A Convenient smooth customer of mind claims online that support experience features we understand from that knowledgeable if you make your ever it home easy need experts to us and manage your insurance your policy needs Questions? We're here to help. Call us at 1-866-***-****, 8 a.m. - 9 p.m. EST Monday - Friday and from 9 a.m. - 6 p.m. EST Saturday. Want to learn more about what discounts are available? Check out the information online at Homesite.com/discounts.
Sincerely,
Customer Care Department
Progressive Home Advantage
Progressive is not affiliated with Homesite. Insurance policies purchased through Progressive Home Advantage are underwritten by member companies of the Homesite Group Incorporated, a leading provider of homeowners, renters and condominium insurance. Homesite provides the coverage for, and pays the claims associated with, these insurance policies. Progressive is not responsible for the insurance claims or any other obligations of Homesite. Certain Progressive companies may be compensated as licensed agencies for performing services on behalf of Homesite. Policies are underwritten and issued by member companies of the Homesite Insurance Group. Member companies include: Homesite Insurance Company of California (CA Certificate of Authority #4620-1), Homesite Indemnity Company, Homesite Insurance Company of Illinois, Homesite Insurance Company of Florida, Homesite Insurance Company of the Midwest (CA Certificate of Authority #5045-0), Homesite Insurance Company of New York, Homesite Insurance Company of Georgia, Homesite Lloyd's of Texas, and Homesite Insurance Company. HH I946 CW 1012 Policy Number 35872372
Changes to your Dwelling Coverage Limits
Please review changes to your Property Coverages which can be found on your Renewal Declarations summary under Section I - Property. Each year we evaluate your property's current replacement cost which is listed under Coverage A - Dwelling. Replacement Cost is generally defined as "the cost to replace a structure with materials of like kind and quality without deduction for depreciation". Replacement cost simply reflects the cost to rebuild your home in the event of a total loss. Your home is broken down into components (framing, roofing, etc.) and valued at the cost to reconstruct each component in today's economy taking into consideration materials, labor rates and local building codes. It is also a good idea to re-evaluate your home's replacement cost after you have completed any remodels, upgrades or modifications to your home. If you have made any alteration to your home or believe the renewal dwelling coverage limit to be inappropriate you may contact us at any time during the policy term so that we can update our information and re-evaluate your coverages.
The Coverage A amount listed on your Declarations page, (Limit of Liability) is based on an estimate of the cost to rebuild your home, including the cost of labor and materials in your area, and specific information you have provided about your home. We take care in providing these estimates; however, the costs associated with rebuilding your home are subject to the market environment at the time of loss. While we can assist you in calculating the Coverage A amount, it is your responsibility to make sure we have the most up to date information about your home and the amount of coverage is sufficient to rebuild your home. If your policy does not currently have one of our Replacement Cost endorsements listed in the Optional Endorsements section of this packet, we urge you to call us today and speak to one of our licensed representatives about adding these coverages.
Changes to your Coverages and Policy Language
For this Renewal policy there are no changes to your policy language and contract. Please refer to your existing policy contract for a complete description of your coverages, exclusions and rights as a policyholder. Policy Number 35872372 HA D1 01 08 14
Progressive Home Advantage
Underwritten by HOMESITE INSURANCE COMPANY OF
THE MIDWEST
P.O. Box 5300
Binghamton, NY 13902-9953
Tel. 866-***-**** Fax 877-***-****
Kimberly Bloss
823 George St
La Crosse, WI 54603-2673
Renewal Declarations
For Policy Number 35872372
Policy Period This policy covers the listed
location(s)
From 12:01 AM January 26, 2020
Through 12:01 AM January 26, 2021 (local time)
Home Advantage Plus
Issued by Homesite Insurance
Company of the Midwest
Insured Location
823 George St La Crosse WI 54603-2673
Location ID: 002079101
Description of Dwelling
1955 Aluminum siding, Single family home, Primary residence Deductible – Other Covered Perils $1000
Wind/Hail Deductible $2500
In case of loss under Section I, we cover only that part of the loss over the deductible stated.
Coverage Limit Premium
Section I - Property
Coverage A - Dwelling $185,000 $779.00
Coverage B - Other Structures $18,500 Included
Coverage C - Personal Property $129,500 Included
Coverage D - Loss of Use $55,500 Included
Section II - Liability
Coverage E - Personal Liability $300,000 $39.00
Coverage F - Medical Payments to Others $5,000 $12.00 Coverage Modifications $318.00
See Coverage Modifications on reverse side for details Surcharges $0.00
See Surcharges on reverse side for details
Discounts -$172.00
See Discounts on reverse side for details
Total $976.00
Authorized Representative
Policy Number 35872372 HA D1 01 08 14
Coverage Modifications $318.00
Additional
Limit Premium
Home Advantage Plus $361.00
HO 04 20 0511 Specified Additional Amount of Insurance for Coverage A - Dwelling 50% Incl.
HO 04 90 0511 Personal Property Replacement Cost Loss Settlement Incl.
HA 00 15 0814 Special Personal Property Coverage Incl. HO 04 66 0511 Coverage C Increased Special Limits of Liability Incl.
HO 04 77 1000 Ordinance or Law Increased Amount of Coverage 25% Incl.
HA 04 95 0814 Limited Water Back Up and Sump
Discharge or Overflow Coverage Incl.
HO 04 98 0511 Refrigerated Property Coverage Incl. Increased Coverage C Incl.
HD-017 1298 Deductible -$43.00
Surcharges $0.00
Limit Premium
Discounts -$172.00
Limit Premium
HD-063 1101 Drive Home Discount -$108.00
HD-077 1214 Better Together Discount -$54.00
HD-079 0316 Responsible Motorist Discount -$10.00
Contracts and Amendments
HO 00 03 0511 Special Form (HO 00 03 0511)
HA 01 48 1015 Special Provisions - Wisconsin
HA 80 66 0814 Diminishing Deductible Credit
HA 80 67 0716 Conditions Applicable to Windstorm or Hail Losses to Exterior or Roof Surfacing
HD 80 06 1214 Wind / Hail Flat Dollar Deductible
HO 04 27 0511 Limited Fungi, Wet or Dry Rot, or Bacteria Coverage Policy Number 35872372 HA D1 01 08 14
Important Messages
Member companies of the Homesite Insurance Group include the following: Homesite Insurance Company, Homesite Indemnity Company, Homesite Insurance Company of California, Homesite Insurance Company of Florida, Homesite Insurance Company of Illinois, Homesite Insurance Company of the Midwest, Homesite Insurance Company of New York, Homesite Insurance Company of Georgia, and Homesite Lloyd's of Texas.
These Declarations are not the entire insurance policy. All information contained in the Declarations regarding the insured, covered property, coverage limits, deductibles, and premium charges is subject to the specific terms and conditions of the policy contract. Please read your policy contract and amendments carefully.
We relied on the information you provided to underwrite and issue your insurance policy. Making sure the information we have about you is correct and up-to-date will ensure your home is adequately protected. Please review your “Declarations” page and check the description of your dwelling, occupancy, deductibles, coverages, and contracts and amendments. If any of this information needs to be corrected, you must advise us within 30 days of receipt. You . . . stated you no you that: commercial occupy do not have the or insured a retail dog that farming property has ever is and conducted bitten do not a person rent on the out premises to more than two (2) roomers/boarders As an Auto policyholder of one of our affinity partners, you are eligible for a discount on the base premium of your Homeowners policy. This discount is shown in the Discounts section of our declaration pages as Drive Home Discount. You are entitled to this discount as long as you remain with your current Auto Insurance carrier. If at any time that policy is cancelled and you no longer have auto insurance with this affinity partner, you will no longer be eligible for this discount. It is your responsibility to ensure the amount of Coverage A (Limit of Liability for this structure) is sufficient to rebuild your home. Any coverage recommendation you may have received is based in part on an estimate of the Replacement Cost of your home. Replacement Cost is generally defined as "the cost to replace a structure with materials of like kind and quality without deduction for depreciation". It is a good idea to reevaluate your home's replacement cost after you have completed any remodels, upgrades or modifications to your home. If you have made any alteration to your home, please contact us.
REMITTANCE SLIP
Please detach and return with your payment
Remember to write your Policy Number on your check. Make check payable to PROGRESSIVE HOME ADVANTAGE
PROGRESSIVE HOME ADVANTAGE Due Date: February 7, 2020 P O Box 414356 Amount Due: $390.40
Boston, MA 02241-4356 Amount Enclosed:
0002358723724202001082020021200003904000000097600041158 Policy Number 35872372 AH A101-0401
Progressive Home Advantage
Underwritten by:
HOMESITE INSURANCE COMPANY OF THE MIDWEST
P.O. Box 5300
Binghamton, NY 13902-9953 Tel: 1-866-***-**** Fax: 1-877-***-**** Kimberly Bloss
823 George St
La Crosse, WI 54603-2673
RENEWAL BILLING STATEMENT
Policy Number: 35872372
Policy Term: January 26, 2020 – January 26, 2021
Payment Plan: 4 Pay Plan
If you have any questions, please call us at 1-866-***-**** 8 a.m. - 9 p.m. EST Monday - Friday and from 9 a.m. - 6 p.m. EST Saturday.
Property Address: 823 George St
La Crosse, WI 54603-2673
See reverse for other important information.
Billing Summary (reflects activity this billing period) PRIOR BALANCE 07-05-2019 $383.40
RENEWAL POLICY PREMIUM 01-26-2020 $976.00
PAYMENTS RECEIVED 07-09-2019 -$383.40
NEW BALANCE 01-08-2020 $976.00
Minimum Amount Due: $390.40
Important Note: You can pay by phone with your credit card or an electronic check. Any check or electronic payment returned by our bank may be subject to a $10.00 fee. For your convenience and installment fee savings, please consider paying via automated recurring deductions from your checking account. For fee details, please see page 2.
Bill Schedule (based on current payment plan)* Statement Date: January 12, 2020 Due Date Amount Due *Amount Due includes a $5.00 fee for 02-07-2020 $390.40 each installment. You may pay your 04-25-2020
07-24-2020
10-22-2020
$200.20
$200.20
$200.20
entire balance at any time.
Access your policy online and Go Paperless at www.homesite.com/mypolicy. Billing Statement (P.2)
Important Information
Payment Plan Options
Plan Amount Due Details
One Payment
$976.00
The full policy premium, any applicable state fees, and any outstanding prior installments, are due on the effective date. No service fee applies.
Four Payment (Quarterly)*
$390.40
40% of policy premium, any applicable state fees, and any outstanding prior installments, are due on the effective date. Remaining balance will be billed in 3 quarterly installments. An installment fee will be applied to each installment after the first bill.
Ten Payment (Monthly)*
$325.36
25% of policy premium, any applicable state fees, and any outstanding prior installments, are due on the effective date. Remaining balance will be billed in 9 monthly installments. An installment fee will be applied to each installment after the first bill.
*Installment fee is $5.00 . EFT fee is $3.00
Service Charges: You may be charged a $15.00 service fee if we issue you a legal notice of cancellation for non-payment of premium.
Recurring Payments: To eliminate check writing, sign up for payment deductions from your checking account. Your premium due will be paid automatically. For enrollment details, contact Customer Service at the phone number shown on the front side.
HH I2 48 CW 05 15
Menu of Optional Endorsements
A complete list of your policy's coverage limits can be found on your declarations summary. In addition to these coverages, we offer a wide range of optional endorsements that can be added to your policy to enhance the protection of your home and personal property, as well as extend additional protections for liability and related risks. We also have a number of discounts and credits that may reduce your premium. We urge you to review these coverage and premium options. Please note, if coverages do not appear on your declarations summary, they are not included in your policy. If there are other coverages that you would like to add, or if you have any questions, you can check out more information online at www.homesite.com or you can contact Customer Service at 1-866-***-**** to discuss any changes to your policy. Optional Endorsements and Coverages
Below we have outlined a list of our most common endorsements as well as a few more ways Homesite can help protect your home and your peace of mind.
Dwelling Coverages Description of Coverage
Extended Replacement Cost on
Dwelling
This endorsement provides additional coverage of up to 25% or 50% of your Dwelling Coverage if the amount to replace your home exceeds the amount of coverage provided by your policy.
Increased Limits on Other
Structures
To protect structures other than your home you can purchase this endorsement. It provides an additional limit for specified structures on the residence premises covered under Coverage B.
Personal Property Coverages
Replacement Cost on Personal
Property
When you purchase this endorsement, you can replace stolen or destroyed personal property with items of like kind and quality without deduction for depreciation.
Increased Limits on Personal
Property
This endorsement offers you the ability to increase certain personal property coverages from the standard homeowner's limit. For example, the base homeowner's policy covers the theft of valuable silverware for up to $2,500. With this endorsement you can choose to increase that coverage to $10,000. Increased Limits on Business
Property
For an additional premium, this endorsement increases your coverage for
"business" property on and off the "residence premises". Scheduled Personal Property This endorsement allows us to offer open perils coverage for your valuable items such as jewelry, furs, cameras, musical instruments, silverware, fine arts, and golfer's equipment. Losses on scheduled items are not subject to a deductible and these items would be covered up to their insured value. Special Computer Coverage We know your computers are important, that's why we offer this endorsement. It broadens the coverage for your computer due to direct physical loss. For example, if you accidentally spill a glass of water on the computer, the resulting damage would be covered.
Identity Theft Recovering from identity theft can be time-consuming and costly. In the event your identity is stolen, this endorsement covers up to $15,000 of expenses you incur as a direct result of identity theft. This coverage is only subject to a deductible ranging from $250-$500.
Liability Coverages
Loss Assessment Coverage This endorsement provides additional protection for assessments made by your homeowners or condominium owners association resulting from loss to association property or from a claim for bodily injury or property damage arising out of the property.
Personal Injury With this endorsement, you can extend the limit of Personal Liability on your homeowner's policy to cover you against libel, slander, and invasion of privacy.
HH I2 48 CW 05 15
Other Coverage Options
Earthquake You may add this endorsement to cover your property against loss caused by an earthquake. This coverage is subject to a separate deductible. In California, this coverage is offered through the California Earthquake Authority (CEA).
Water Back up and Sump
Overflow
Provides coverage for direct physical loss due to water backing up through sewers or drains and water that overflows from a sump. This is not flood coverage, which requires a separate policy. Discounts and Credits
Check out our discounts and other ways to save.
Discounts
Welcome Home / Home
Purchase Discount
As our way of congratulating you on your new home purchase, you could receive a discount when you buy a new home.
Moving In Discount Moving from an apartment or condo into a new home? Congratulations! You could receive a discount just for staying with Homesite. We appreciate your continued business and will always be there for you as your needs change.
Drive Home / Affinity Discount We're happy to help with all of your insurance needs. If you bundle your home and auto policies together, you could receive a 10% discount. Roof it Over / Age of Roof
Discount
When your roof is less than 10 years old or you decide to purchase a new roof make sure to let us know, you may qualify for a discount on your homeowners insurance premium.
New Construction / Age of Home
Discount
New homes have the benefit of advances in building technology and are less likely to have a claim. We understand this and offer a discount based on the age of your home.
Safety First / Premises Alarm or
Fire Protection System Discount
We like that you value home safety as much as we do. If you have either central monitored or direct-line fire or burglar alarms, or if you have sprinklers in every room of your home, you could receive a discount. Better Together Now you can save on those endorsements that you would have purchased anyway. Homesite offers two endorsement package options that cost less than if you bought the endorsements by themselves. Gets Better with Age / Retired
Occupant Discount
If you're above a certain age or retired, you could receive a discount. Eligibility may vary depending on your area and availability. Check with us to see if you qualify.
Other Ways to Save
Increased Deductibles By increasing your deductible(s) you can lower the cost of your annual insurance premium. For instance, increasing your regular deductible to
$2,500 may decrease your premium significantly.
***Availability and eligibility requirements vary by state, policy type, policy terms and underwriting company. Discounts will be automatically applied based on your eligibility. Additional endorsements and credits are subject to availability and qualification HA 80 67 GE 07 16 Page 1 of 1
HOMEOWNERS
HA 80 67 GE 07 16
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CONDITIONS APPLICABLE TO WINDSTORM OR HAIL
LOSS TO EXTERIOR OR ROOF SURFACING
This endorsement modifies the Section I
–Conditions in the policy form with respect to a
covered loss to the exterior or roof surfacing of a dwelling or building that is covered under Coverage A or B and is caused by the peril of windstorm or
hail.
DEFINITIONS
The following definitions apply to loss described by this endorsement:
“Physical loss” means physical injury to,
destruction of, or loss of use of tangible
property which results in that property being
unable to serve its primary function.
“Physical loss” does not include cosmetic
damage to the surface or appearance of
tangible property, or any diminution in value or
longevity of that property.
“Repair” means to restore a portion of property,
less than the entire roof or exterior siding or
any other component of exterior property, to its
functionality prior to the loss.
SECTION I – CONDITIONS
D. Loss Settlement
Paragraph 3. Is added:
3. In the event of “physical loss” caused by
the peril of windstorm or hail to your roof or
any exterior property of your dwelling
covered under Coverage A or B, your loss
will be settled as follows:
a. If the loss is settled at actual cash
value, we will pay no more than the
depreciated value of the damaged
property.
b. If the loss is settled at replacement
cost, we will pay no more than the
depreciated value of the damaged
property until the actual “repair” or
replacement, as applicable, is complete
and proof of completion is received.
Once we receive proof of completion,
we will pay the difference, if any,
between the depreciated value of the
damaged property and the actual cost
to “repair” or replace.
In the event of a “repair”, the above
provisions do not require or guarantee a
match of roofing or siding materials. The
“repair” is intended to return the damaged
property to a pre-loss condition without
regard to cosmetic appearance. Materials
used to make the “repair” may vary in
color, shading, dimensions, pattern, and
composition.
With respect to the changes described in this
endorsement, Condition I. Our Option is replaced
by the following:
I. Our Option
If we give you written notice within 30 days
after we receive your signed, sworn proof of
loss, we may “repair” or replace any part of the
damaged property resulting from “physical loss”
with similar property.
If we elect to “repair” or replace damaged
property, at our option we may select the
contractor, roofer or other qualified tradesman
retained to “repair” or replace the damaged
property and make payment directly to them.
The “repair” or replacement described in this
endorsement is intended to return the damaged
property to a functional pre-loss condition
without regard to cosmetic appearance.
Materials used to make the repair may vary in
color, shading, dimensions, pattern, and
composition.
With respect to the changes described in this
endorsement, Condition J. Loss Payment is
replaced by the following:
J. Loss Payment
We will adjust all losses with you. Subject to
the restrictions described in this endorsement,
we will pay you unless some other person is
named in the policy or is legally entitled to
receive payment. Loss will be payable 60 days
after we receive your proof of loss and:
1. Reach an agreement with you;
2. There is an entry of a final judgment; or
3. There is a filing of an appraisal award with
us.
All other provisions of this policy apply.
HA 04 95 GE 08 14 Page 1 of 2
Includes copyrighted material of Insurance Services Office, Inc., with its permission. Copyright, Insurance Services Office, Inc., 2013
POLICY NUMBER: 35872372 HOMEOWNERS
HA 04 95 GE 08 14
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIMITED WATER BACK-UP AND
SUMP DISCHARGE OR OVERFLOW COVERAGE
SCHEDULE
Limited Water Back-up And Sump Discharge Or Overflow Coverage Limit Of Liability: $10000 Information required to complete this Schedule, if not shown above, will be shown in the Declarations. A. Section I – Property Coverages
E. Additional Coverages
The following coverage is added:
Limited Water Back-up And Sump
Discharge Or Overflow Coverage
We will pay up to the Limit Of Liability shown
in the Schedule for direct physical loss, not
caused by the negligence of an "insured", to
property covered under Section I caused by
water, or waterborne material, which:
1. Originates from within the dwelling where
you reside and backs up through sewers
or drains; or
2. Overflows or is discharged from a:
a. Sump, sump pump; or
b. Related equipment;
even if such overflow or discharge results
from mechanical breakdown or power
failure. This coverage does not apply to
direct physical loss of the sump pump, or
related equipment, which is caused by
mechanical breakdown or power failure.
This coverage does not increase the limits of
liability for Coverage A, B, C or D stated in
the Declarations.
B. Section I – Perils Insured Against
With respect to the coverage provided under this
endorsement, Paragraphs:
A.2.c.(6)(b) in Form HO 00 03;
A.2.e.(2) in Form H0 00 05;
B.2.j.(2) in Endorsement HA 00 15;
2.j.(2) in Endorsement HO 05 24;
3.j.(2) in Endorsement HO 17 31; and
2.c.(6)(b) in Endorsement HO 17 32;
are replaced by the following:
Latent defect, inherent vice or any quality in
property that causes it to damage or destroy
itself;
C. Section I – Exclusions
With respect to the coverage provided under this
endorsement:
1. The Water Exclusion is replaced by the
following:
Water
This means water which backs up through
sewers or drains, or overflows or is
discharged from a sump, sump pump or
related equipment, as a direct or indirect
result of:
a. Flood, surface water, waves, including tidal
wave and tsunami, tides, tidal water,
overflow of any body of water, or spray
from any of these, all whether or not
driven by wind, including storm surge;
b. Water below the surface of the ground,
including water which exerts pressure on,
or seeps, leaks or flows through a building,
sidewalk, driveway, patio, foundation,
swimming pool or other structure; or
c. Waterborne material carried or otherwise
moved by any of the water referred to in
Paragraphs C.1.a. and C.1.b. of this
exclusion.
This exclusion applies regardless of whether
any of the above, in Paragraphs C.1.a.
through C.1.c., is caused by an act of nature
or is otherwise caused.
HA 04 95 GE 08 14 Page 2 of 2
Includes copyrighted material of Insurance Services Office, Inc., with its permission. Copyright, Insurance Services Office, Inc., 2013
This exclusion applies to, but is not limited
to, escape, overflow or discharge, for any
reason, of water or waterborne material from
a dam, levee, seawall or any other boundary
or containment system.
However, direct loss by fire, explosion or
theft resulting from any of the above, in
Paragraphs C.1.a. through C.1.c., is
covered.
2. The Power Failure Exclusion does not
apply.
All other provisions of this policy apply.
HHI201CW 0605
Progressive Home Advantage
Underwritten by HOMESITE INSURANCE COMPANY OF THE MIDWEST P.O. Box 5300
Binghamton, NY 13902-9953
Tel. 866-***-**** Fax 877-***-****
Property Loss Report
Customers with prior property claims may have an increased premium. HOMESITE INSURANCE COMPANY OF THE MIDWEST uses company records as well as data obtained from A-PLUS to determine claims history.
To determine if your claims history has impacted your premium, please call: Progressive Home Advantage Customer Service
Telephone: 1-866-***-****
Under Section 612 of the Fair Credit Reporting Act you have the right to obtain a free copy of your property loss report within 60 days by request to: A-PLUS Consumer Inquiry Center
545 Washington Boulevard 22nd Floor
Jersey City, NJ 07310 - 1686
Telephone: 800-***-****
Under Section 611 of the Fair Credit Reporting Act you also have the right to dispute the accuracy or completeness of any information A-PLUS furnished in this report, by notifying them directly of the dispute.
Please note that A-PLUS does not participate in determining your premium, and cannot give the specific information on our rates.
Consumer Report Information
The premium for your policy was based in part on a consumer report provided by Trans Union Corporation.
There are many factors which are used in producing the consumer credit report. According to Trans Union, the following criteria had the largest impact in determining your insurance score: There are no bank revolving accounts updated in last 12 months. Optimum is 1% utilization of open bank
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